You can get really, really far with a decent machine if you mind the bottlenecks. Getting into swap? Add RAM. Blocked by IO? Throw in some more NVMe. Any reasonable CPU can process a lot more data than it's popular to think.
In general, the vast number of small shops chugging away with a tractably sized monolith aren't really participating in the conversation, just idly wondering what approach they'd take if they suddenly needed to scale up.
The corollary to that is, it's amazing how far you can push vertical scaling if you're mindful of how you use memory. I've seen people scale single-process, single-threaded systems multiple orders of magnitude past the point where many people would say scale-out is an absolute necessity, just by being mindful of things like locality of reference and avoiding unnecessary copying.
do whatever you want, you've already spent more time than it's worth considering it.